Bank of America Credit Card Complaint

Bank of America Credit card department,

Late fee Texas

In - -, I opened a credit card account with Bank of America. It was a transfer balance of $5000.00. There was a fee of $150.00. The due date of each month was the - with a minimum initial payment of $51.00. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early - and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of $500.00 with more than the minimum due for - payments ) There was one more payment I missed in -. In - I continued to be late missing the cutoff on - payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in - starting -/-/- I paid - payments


on - I paid $100.00 and on - $ -.The remaining balance was $370.00 which I paid in full, but unfortunately 2 days after the - cutoff posted on -. I was charged additional $25.00 late fee even though I paid it in full and there was now no balance due. I called to get the $25.00 charge reversed for the - statement and was denied even though the account was now paid in full AND since the account was open in - - ( over a year ago ) I had only asked for - reversal which was the initial payment in - -. Essentially we had paid $260.00 in late fees from opening - to paying off the account in its entirety -. I asked them to reverse the very first payment late fee and the very last for a total of $50.00. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full $370.00. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in -, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for $25.00. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the $25.00 reversal of the last late fee. I think they took advantage of us and that is why I am writing today.